Getin Bank Kierowcy
Getin Bank Kierowcy
Company description
Getin Bank Kierowcy is a modern online platform and customer portal designed to enable convenient and efficient management of all matters related to vehicle leasing and financing. The solution gives customers easy access to e-invoices, e-documents, and complete documentation in one place, supporting digitization, structured settlements, and secure document control. The platform serves as lease management software and a leasing customer portal for leasing companies and organizations operating in the leasing market, where data security, fast customer support, and the automation of post-sale services are critical to business performance.
Leasing customer portal
Bank Kierowcy was launched in November 2013 as a financial and automotive portal of Getin Bank and Getin Leasing. It extended internet banking with products dedicated to drivers, including car loans, leases, and financing options. Until 2016, the portal also included an open-access section where users could browse articles and offers related to car servicing, spare parts, and vehicle maintenance, as well as maintain a virtual service book. Since 2016, only the logged-in area has remained available. This customer zone, or leasing customer portal, has focused on core processes for bank and leasing customers, including e-invoices, e-documents, post-sale applications, access to online banking, personalized financing offers, and vehicle-related services.
It was a pioneering software product for both a bank and a leasing company. Over the years, it served more than half a million customers, provided access to over 20 million documents, and processed several million requests. This scale of operations translated into measurable business value, stronger customer satisfaction, and a significant increase in operational efficiency.
Between 2013 and 2016, users who were not active customers could still browse the general offer of products and services, review car sales offers, obtain advice, and maintain a service book. By contrast, customers with an active agreement had access to additional benefits, including exclusive promotions and personalized content. After the transition to a fully logged-in self service model, the focus shifted toward lease management, contract handling, post-sale support, process automation, and secure access to documents and settlements in one environment, based on consistent processes and reliable lease data.
Project goals
Improve customer satisfaction and support effective relationship management through a self-service and back-office operating model.
Build and maintain positive interactions with customers, increase loyalty and post-transaction value, and optimize communication and operational processes.
Support the automation of leasing processes, improve lease administration, increase efficiency, and reduce manual workload on the company side.
Provide high-quality post-purchase support through the development of post-sale service tools, request handling mechanisms, and constant access to documents, invoices, and settlements.
Enable process execution through digitization, with emphasis on central access, security, and user convenience, while managing both customer-facing and internal operations within one integrated platform.
Lease management software
The customer panel was designed as a central web-based solution that allows customers and users to conveniently manage vehicle financing under products such as leasing, loans, and credit, while also supporting bank accounts related to financing. The platform provides personalized leasing and credit offers and enables full contract management in one place, including status preview, repayment schedules, and tracking payments.
Users can access agreement details, information about the financed asset, and full documentation and settlements, which improves transparency, reduces risk, and strengthens control. A particularly important component is post-sale request handling. The client can submit an online form concerning, among others, shortening or extending the repayment period, early termination of the agreement, permission for third-party use of the leased asset, repainting or wrapping the vehicle, replacing a lock cylinder, installing a tow hook, fitting a gas installation, or obtaining an additional key.
As a result, the portal enables users to introduce changes to agreement conditions without unnecessary formalities, shortening the process and improving convenience. Some processes were partially or fully automated, which directly increased efficiency and the quality of service. Within the customer zone, the system makes available e-invoices, e-documents, and complete documentation, as well as tools that allow users to update details such as mailing address, account information, and contact data. Where required by regulations and security standards, the solution may also support verification processes and, in formal workflows, the signing of documents with an electronic signature. This helps save time, reduce the burden on service teams, and improve decision making.
Challenges in the regulatory compliance
The biggest challenge was the integration of multiple solutions with existing systems used in leasing and banking, including SAP, a data warehouse, and an online banking system. Such an implementation required not only precise technical synchronization, but also coordination across functional domains to ensure that key data, addresses, accounts, settlements, agreements, and schedules remained consistent throughout the ecosystem.
It was equally important to ensure continuity of customer service and stability of processes such as invoice and document generation, request submission, and case status updates, while maintaining high service quality within the portal. By using modern integration technologies, the project team implemented mechanisms that enabled smooth communication between systems. This translated into flexibility, scalability, and higher operational efficiency.
The platform also reduced manual work, improved back-office processes, and accelerated request handling while maintaining strong control, high compliance, and secure access for users. In a broader context, this approach supported regulatory compliance, reduced the likelihood of human errors, and ensured that documentation and process execution remained up to date.
A system supporting the lease accounting software
From a technical perspective, Getin Bank Kierowcy was delivered as modern software for a bank and leasing company, offering a consistent solution for customer service and the management of financial products in one place. The system was built in Java/Java EE using JBoss application servers, while a PostgreSQL cluster was implemented at the data layer to support security, stability of settlements, and high availability.
The platform consists of more than 40 components that handle key processes such as the customer portal, lease management, e-invoice handling, document generation and distribution, and post-sale request processing. These components were connected through web services and integrated with 17 internal and external systems, ensuring data consistency, current case status, and a smooth customer service process for both front-end and back-office operations. This level of integration with existing systems was essential for maintaining a consistent flow of lease data, financial information, and operational updates.
In the presentation layer, HTML5 was used to ensure responsiveness and ease of use as early as 2013, when such an approach still represented a strong competitive advantage. As a result, users could access the platform on desktop, tablet, and smartphone without losing functionality. This made it easier to manage accounts, agreements, repayment schedules, requests, and e-documents. During 10 years of operation, the system underwent two major UI redesigns, which helped maintain service quality and support ongoing development aligned with changing business needs.
Results
- Enable customers to flexibly manage financing and leasing agreements through an intuitive panel and leasing customer portal, with access to key information in one place.
- Support the development of a broader financial offer for customers, including car leasing, online credit applications, and the handling of bank accounts related to vehicle financing.
- Deliver personalized leasing and credit offers tailored to customer needs, available data, and financial standing, increasing both service quality and market competitiveness.
- Enable full management of leasing and credit agreements, monitoring of payment history, and modification of agreement conditions.
- Support full contract management, monitoring of schedules and payment history, and changes to agreement terms through leasing applications and post-sale requests.
- Give customers stronger control over their obligations and easier access to important lease information.
- Improve process quality, reduce administrative effort, and support more effective lease administration.
- Create a structured environment for document circulation, request handling, and customer communication, helping the organization track requests, maintain compliance documents, and improve overall management quality.
- Centralize data, documents, and services in one platform to give the organization better visibility into ongoing operations, lower operating costs, and more room for future growth.
- Function as advanced lease management software supporting both service processes and operational workflows.